FOR IMMEDIATE ASSISTANCE- call us at 631-563-7720 Bill
Merrell of the Merrell Institute Can Help You...NOW! What's more, Bill
Merrell does not plan on charging you for his time and expertise. If you are
charged for additional services, you always have the option to perform these
services yourself, since we are doing this to benefit the appraisal industry not
create an added income stream for Bill Merrell and his affiliate companies.
Bill Merrell has 3 decades of experience, starting as a Real Estate Broker, is a
General Certified Appraiser, is approved by NYS to teach appraising, real
estate, home inspection and is nationally certified by IDECC for Distance
Learning. We wish to interview each interested party and we request you
will out the documents we request below, along with all supporting
documentation. We cannot guarantee we will take your case, but we can guarantee
you that we will review your case and give you a realistic view of the type of
difficulties you are experiencing. I am not an attorney, not do I pretend to
give legal advise. I, as an educator and as a professional am willing to lend my
professional experience to help those who are unable to take a step back to look
at the situation logically and rationally. We also recommend you hire an
attorney to protect your rights. All I can do is give you my opinion as a
professional in this twenty first century environment. We have been given
permission to use the jpg's on this page. In the event we are told we cannot use
same we will remove them immediately.
IDENTITY THEFT ~
FORGED SIGNATURE ~ ILLEGAL USE OF ELECTRONIC
SIGNATURE ~ PASTED FORGED SIGNATURE
ILLEGAL USE OF APPRAISERS NAME IN AN APPRAISAL
~ ILLEGAL USE OF APPRAISERS ERRORS AND OMISSION INSURANCE IN A
ILLEGAL REPORTING OF VALUE TO A
CLIENT WHO THE APPRAISER DOES NO BUSINESS WITH "KNOWN AS" BLIND IDENTITY THEFT TO THE APPRAISER
YOU MAY NOW HAVE A SOLUTION TO YOUR SITUATION.
WE CAN HELP YOU TO CORRECT YOUR PROBLEM- DON'T BE A VICTIM- TAKE CONTROL OVER YOUR LIFE AND YOUR
SITUATION. ACTING LIKE A VICTIM MAKES YOU A VICTIM. EMPOWER YOURSELF AND
TAKE CONTROL OVER YOUR RIGHTS AND YOUR LIFE.
What is the problem?-Fill
everything out in detail, make sure you have all attached documents to
support your case and make an appointment with Bill Merrell as soon as possible
by sending us an e-mail or calling us at 631-567-6776. Bill Merrell is
volunteering his time and energy to help those in need. We can only help our
students as an advocate and we also have listed all the areas you can file a
complaint for an appraisal that was not performed by you that has your name on
SECURE AREA SITE ACCESS- CLICK HERE
This will allow you
access to additional data- We will give you a code if we determine we can help
Have you filed a complaint against
the person who either assumed your identity or forged your signature with the
NYS, Dept of State, Division of Licensing Services?
is the web link to file a complaint with NYS, Dept. of State, Division of
Licensing Services. Even if the Dept. of State is investigating you,
you can still file a written complaint against the party or parties who
illegally used you good name, your electronic signature, etc. in an attempt to
have the appraisal in question accepted and funded by the lender. Your name was
used in a criminal activity, and you owe it to yourself to make use that
everyone knows the appraisal is NOT yours. Don't just react. Be proactive. Call
us, we can help.
Calling does NOT protect your
rights, nor does it prove that you really called anyone. Always write letters,
send same certified mail or make a copy of the sealed, postmarked letter showing
it was submitted to the post office for delivery.
If you have a question for the
Dept. of State, call their general number at 518-474-4429 (to speak with a
real person and bypass the automated voice mail system, when you hear the voice
mail system, press the number 1 , wait 5 seconds then press the number 5. You
will be switched to a real person within several minutes) They are open 9am to
4pm and closed for lunch.
Also, see Legal Memorandum LI02:
Department of State Licensing Complaint Resolution Process
Have You Filed A Complaint with the NYS
Attorney Generals Office? If not, here is a form, if you wish to file a
sure your complaint is real, it is complete and it is understandable. You must
convey your situation in a clear, concise fashion. It will go a long way to
having your case considered and hopefully resolved.
Complaint Input Form
Click on the link to file an official complaint for
Identity Theft- This is a form for you to use if your identity has been
compromised! You can use this form and notify the authorities with the
information contained in this report. Each county in NYS should have an
identity theft division. Call and get their address and mail it to them. Be
proactive. Keep copies of everything, including copies of envelopes of each
document you mailed. You must document the steps you have performed to protect
your good name.
Click on the above form to file an official complaint
regarding Identity Theft in which the US Post Office was used! If
everything was done via the internet, the US Post Office is not directly
involved. The minute the forged appraisal was mailed, you can file a complaint
with the US Post Office and ask that they investigate this illegal activity. Be
proactive. We can help.
An Open Letter To Fellow
We are human. We all make
mistakes. We trust people. Funny, we believe that people are honest, ethical and
do things legally. If you trusted someone and were taken advantage of, you have the right
to complain about what has occurred. You must protect your good name.
Did someone illegally sign
your name or affix your electronic signature to a legal document without
Did someone change, modify or
alter documents you created, which you never approved?
Were you a victim of identity
theft? identity fraud? electronic signature theft?
If the above applies to you, you
have the right to fight back. Legally fight back. Ethically fight back. When
fighting back, you must notify all parties to the transaction that you are not
part of this fraudulent activity. You must certifying that the activity was
done with out your permission or authorization.
You have the right to protect
your good name and get a level of satisfaction and a level of security. Your
name and your reputation has value. Protect your name and exercise your rights.
I have developed a detailed 7 step program designed to protect your
good name. If we take you case, there may be expenses, however Bill
Merrell's time to show you how to empower yourself and not be a victim is FREE.
No strings attached. I really do believe you need someone to be there to help. I
hope to be that person. Don't forget, you still may need an attorney. By all
means, hire an attorney to protect your rights. Let me show you what your
potential options are.
631-563-7720 Fax: 631-563-7719
not fax documents- call, drop them off or mail them to me to set up an
All documents and information you issue to me will be kept in
You have my personal assurance that I will respect our
Merrell Institute, 1461-17
Lakeland Avenue, Bohemia, NY 11716
Appraisers may not be this lucky. Imagine, your
name and signature is attached to an appraisal. The loan closes, is
funded, and 3 years later, you must prove your innocence that you
had nothing to do with the appraisal. How do you prove your
innocence? What if the appraiser who forged your signature
doesn't want to admit to the fact that he/she committed a crime, (a serious one at that).
Appraisers are finding themselves
in this position, and in the event that a complaint is raised
against the appraisal, the appraiser may be defending an appraisal
that was never created or completed by the appraiser. How do you
protect yourself against forgery and fraud? Call us and we
will tell you how to protect yourself against this criminal
activity. Be proactive now, and listen to what Bill Merrell has to
say. The meeting is at no cost or obligation to you.
Are you looking to meet the objectives of
the Attorney General Decision, in which you, as a residential appraisal must
exist in 2009 and beyond, we may be able to help with this. Check out NYSAN- the
New York State Appraisal Network NYSAN has been around for 2 decades
working to help appraisers and we have now created a new division to
benefit the needs of the appraiser in an Appraiser Driven Appraisal Management
Company. Not the typical AMC, but one which may be a real alternative to the
status quo. Check NYSAN out at
Need high quality education in
New York State: check out www.merrellinstitute.com
Articles involving Fraud- A Good Read to help with
Appraiser Identity Theft 2006/03/24
Brian Weaver, a practicing appraiser for over 25
years and investigator for the Office of Banks
and Real Estate in Illinois, has recently
researched Appraiser Identity Theft in Illinois
and others states. Click here for the complete
The Illinois Coalition of Appraisal
Professionals commissioned this study and
has suggested that there are three main
scenarios of appraiser identity theft
and forgery currently taking place.
Director of the Appraisal Division for the
Illinois Department of Financial and
has revealed that (currently) his
office is aware of over $40 million worth of
forged appraisals…and the number is climbing."
appraisals? According to Mr. Brown and his
investigator, Don Potter, between 20% and 30% of
all complaints coming into the department have a
forged appraisal document at the center."
What Can Appraisers Do To Protect
Themselves? The best one can do is
reduce the opportunity for
identity theft. The following fall under the
category of common sense and nothing more:
First, there is the
appraiser-trainee who is fed up with
splitting fees with their sponsor/ mentor
and has decided to forge their mentor’s name
and affix their mentor’s license number to
reports without their mentor’s knowledge or
Second, there are appraisers who go
phishing for license numbers. The term
phishing refers to the current internet ploy
by computer hackers to scour cyberspace for
usable personal data that can be exploited.
third and most disturbing trend
involves persons who never were licensed
appraisers, yet find this to be their crime
of choice. Like those who go phishing, they
come up with almost random victims and
prepare bogus reports for hefty fees.
- Remove your
license number from your business card (if
- Remove your
license number from your stationery (if
- Remove your
license number(s) from your website and
e-mail stamp (if legally permissible). This
includes removing the actual image of your
- Remove your
license number from websites that advertise
your services (if legally permissible).
sharing your software signature codes with
everyone in the office.
- Stop taping
signature codes on the wall next to the
computer at the office.
- Try using
something a little more complex than
“appraiser” for a password.
your E&O declaration page from your website.
- Be more
circumspect about who has access to your
I have to
admit that I had been guilty of breaking almost
ALL of those rules. After the article came out,
I got a call from T. J. McCarthy at
ICAP to advise me of the risks I was taking
with having my license, resume, and E&O
certificate available from my web site.
call I took advantage of a "Password Protected
Page" feature that my web host provides. This
allows me to keep my private information private
. . .but available to trusted clients and those
that need to know.
Now that the housing market has finally turned we learn
that many of the loans were written on questionable
valuations of housing once people try to refinance those
outrageous nuclear no money down interest only loans. And
the LTV’s (loan to values) are now inverted almost across
the board on these loan types. The article blames the
appraisers, but where is the blame on the ethics and others
in the marketing chain:
- The home builder selling extra houses during the boom
making extra profits off increasingly lower quality houses.
- The mortgage bankers and banks making fees off of the
loans and then reselling them. Will they take the coming
credit loss themselves or will they try to pass it onto the
American taxpayer and not back to their shareholders like
they should. Remember when you used to put down 20% on a
house purchase, there was a reason for it that we will soon
be asking why it was abandoned.
- The publishers that made it all too easy to
advertise without educating the consumers, many who had no
idea what interest only or ARM meant.
- Where were the reporters that write now on these
subjects as if it’s new news of what drove the boom for the
past five years? That silence was deafening.
If you are planning on being
a white collar criminal and committing
mortgage fraud, this is the time
to do so. Do to a lack of funding and manpower the
FBI is short 2,500 agents that they previously had
to investigate white collar crimes such as mortgage
fraud. The demands in a post 911 world have kept the
focus on investigating international terrorists and
not domestic crimes.
Of course the bad guys know
this and that investigations of mortgage fraud are
anemic. Like the war on drugs, token and high
profile cases are made, but the typical case of
mortgage fraud languishes in the to–do box. Combine
that with non existent due diligence in lending and
you are looking at 204 convictions for over 4
billion dollars worth of mortgage fraud.
And that is unacceptable.
Dollar losses in 2006
were close to quadruple what they were in 2003
and the number of cases has increased by a
similar amount, according to the FBI.
As a result, while banks reported more than
59,000 mortgage-related frauds to the FBI last
fiscal year, the bureau obtained only 263
indictments and 204 convictions. Meanwhile, the
backlog of mortgage fraud cases under
investigation has more than doubled since 2003,
from 463 to more than 1,000, according to FBI
An FBI spokesman in Washington, D.C., said it is
forming partnerships with other agencies and
with groups such as the Mortgage Bankers to make
up for the lack of agents it has available.
“We realize that we sometimes have to do more
with less,” spokesman Steve Kodak told the P-I.
Carlisle said the lenders appreciate the efforts
the FBI’s does make — which have included task
forces and a few high-profile investigations —
but that making a real dent in the problem will
take dollars and cents.
The Seattle PI
Mortgage fraud is a problem
that is increasingly coming to light in the
marketplace. The fraudulent data is also in the
MLS data that real estate agents need to properly do
their job and these distortions can hurt buyers and
sellers as much as the
companies. The article this
morning in the Miami Herald explains why.
But real estate agents
say they are sometimes asked to raise the list
price of a home. In mortgage fraud cases, that
allows a broker to pay the seller at the
original list price and keep the rest of the
money as cash back at closing.
The false sales information means other sellers
can end up overpricing houses that then get
stuck on the market, and other buyers can end up
paying more than they should.
”The average person in a neighborhood full of
fraud is paying higher taxes because of an
artificial base — they’re paying more because
somebody cheated,” says Nancy Hogan, a member of
the Florida Real Estate Commission, a state
licensing board that has no authority over the
MLS. “On the other hand, when those houses go
into foreclosure, they are also bringing down
via the Miami Herald.com.
all of the fury over mortgage foreclosures, state
officials across the country are putting appraisers
and their inflated appraisals under the microscope.
The game of nudge nudge, wink wink between
lenders has been going on for
years, but with rising housing prices and easy loan
money it was largely under the radar.
However, now that the housing
market has slowed down and some of the loans that
were written with inflated appraisals are crashing
and burning in foreclosure, the spotlight is firmly
on the relationship between shifty
brokers and suspect appraisers.
Now I do not want to tar and
feather either profession, but there are bad apples
out there. If your choice is to “play ball” or lose
a big account, many people give in to the
temptation. And with little fear of repercussion
many appraisers fell into the trap.
However the head of the
Colorado Division of Real Estate has the appraiser
lender relationship firmly in her cross-hairs.
Erin Toll, director of the
Colorado Division of Real Estate, told The Pueblo
Chieftain in Friday’s editions her agency would
formally announce the review next week. “We’re just
going to be taking a much closer look at real estate
activities in the southern part of the state because
the mortgage fraud and the mortgage foreclosure rate
is so high in Pueblo,” she said. She said her agency
“is going to have a much greater presence in Pueblo”
but declined to comment further. via
And Elliot Spitzer’s
successor as New York State Attorney General Andrew
Cuomo is also on the hunt to highlight unethical
lending and appraising practices.
Attorney General Andrew Cuomo
said in an interview today he has subpoenaed “many,
many more’ companies. The four that have
acknowledged receiving them are: Vanderbilt, New
York appraiser Mitchell, Maxwell Jackson Inc., First
American Corp.’s eAppraiseIT LLC and the broker
Manhattan Mortgage Co. Manhattan-based Vanderbilt
didn’t say what Cuomo was seeking.
“We have received the
subpoena, which has been forwarded to legal
counsel,’ Vanderbilt spokesman Richard Rubenstein
said. “We are in the process of reviewing it.’
Click on Form Listed Above for PDF Guide
to Recognizing Mortgage Fraud
After you have read all the above
articles, you can see that Fraud and Forgery is more common than most appraisers
are even aware of. The next step is to set the record straight. You have a
responsibility to make sure that the person who almost got away with stealing
your identity will be held responsible for his or her actions. Call Bill Merrell
today and let's see what we can do to help your cause. You are not alone!
631-563-7720. The meeting is free. Bring al your documents. We can't guarantee
you that we can fix your problem. We can let you know what your potential
options are. We believe you have rights and Bill Merrell has personally funded
this entire operation to benefit the appraiser in NYS. Bill Merrell wants to
help. Call him today. We will ask your name, address, phone number and
all information in order to help. We keep all information confidential.
New York Mortgage Fraud Resources
Mortgage Fraud News Alerts
The list of resources below has been
compiled for anyone that suspects that they may be a victim
of any type of fraud or scam. The list was originally
designed as a resource to report mortgage fraud, predatory
lending scams and identity theft in New York but may also
serve those who are victims of many types of fraud in New
York. Other types of fraud may include:
- Internet Scams
- Phishing/Email Scams
- Credit Card Fraud
- Investment Scams
- Financial - Debt Elimination
- Business/MLM Scams
FBI Field Offices, Mortgage Fraud
White Collar Crime Supervisor
200 McCarty Avenue
Albany, NY 12209-2095
Phone: (518) 465-7551
White Collar Crime Supervisor
One FBI Plaza
Buffalo, NY 14202-2698
Phone: (716) 856-7800
White Collar Crime Supervisor
26 Federal Plaza, 23rd Floor
New York, NY 10278-0004
Phone: (212) 384-1000
New York State Consumer Protection Board
Consumer Complaint Form
5 Empire State Plaza, Suite 2101
Albany, New York 12223-1556
Phone: (800) 697-1220
HUD Field Offices
Albany Field Office
52 Corporate Circle
Albany, NY 12203-5121
Phone: (518) 464-4200
Fax: (518) 464-4300
Buffalo Field Office
465 Main Street, 2nd Floor
Buffalo, NY 14203-1780
Phone: (716) 551-5755
Fax: (716) 551-5752
Syracuse Field Office
128 E. Jefferson Street
Syracuse, NY 13202
Phone: (315) 477-0616
Fax: (315) 477-0196
HUD Regional Office
New York Regional Office
26 Federal Plaza, Suite 3541
New York, NY 10278-0068
Phone: (212) 264-8000
Fax: (212) 264-3068
New York Banking Department
Mortgage Banking Division
2 Rector Street
New York, NY 10006
Toll-Free: (800) 334-3360
Phone: (212) 618-6634
Fax: (212) 618-6570
Nationally Chartered Credit Union
Region 1 – Albany
9 Washington Square
Washington Avenue Extension
Albany, NY 12205
Phone: (518) 862-7400
Fax: (518) 862-7420
State-Chartered Credit Unions
New York State Banking Department
Two Rector Street, 18th Floor
New York, NY 10006-1894
Phone: (212) 618-6496
Fax: (212) 618-6925
Savings & Loan Association or Savings Bank
Office of Thrift Supervision
Harborside Financial Center Plaza Five
Jersey City, New Jersey 07311
Phone: (201) 413-1000
Complaints: (800) 842-6929
National Fair Housing Alliance
To locate your local office:
National Contact: E-mail:
1212 New York Avenue, NW Ste 525
Washington, DC 2005
Phone: (202) 898-1661
Fax: (202) 371-9744
New York State Licensing, Real Estate
Phone: (518) 474-4429
New York State Licensing, Real Estate Appraiser
Phone: (518) 474-4429
Better Business Bureaus
Better Business Bureau
741 Delaware Ave., Ste. 100
Buffalo, NY 14209-2201
Phone: (716) 881-5222
Fax: (716) 883-5349
Better Business Bureau of Metropolitan New York
257 Park Avenue South
New York, NY 10010-7384
Phone: (212) 533-6200
Fax: (212) 477-4912
Note About This Information
Information is updated constantly- always check each area,
and make sure you protect your rights under the law.
USE OUR DATA TO BENEFIT YOUR SITUATION. IF YOU HAVE ADDITIONAL
AREAS OR ADDRESSES WHICH WILL HELP OTHERS, PLEASE SEND IT TO US SO WE CAN SHARE
SAME ON THIS WEB SITE- WE ARE HAPPY TO SAY THAT HUNDREDS OF PROFESSIONALS HAVE
UTILIZED THIS SITE AND FILED COMPLAINTS TO PROTECT THEIR GOOD NAME- WE ARE
MAKING A DIFFERENCE, ONE CASE OF IDENTITY THEFT AND FRAUD AT A TIME!
CALL ME, BILL MERRELL AT 631-563-7720 IF YOU HAVE A SERIOUS,
CONFIDENTIAL SITUATION YOU WISH TO DISCUSS!
All the information was
supplied by various state and federal agencies throughout NYS and the USA. At no
time do we take credit for writing any article. These articles and jpgs are to
benefit the appraiser or home inspector who is in trouble, and is involved with
a situation in which someone used he/her name. We cannot be responsible for
this, but we were able to put together a group of articles to benefit appraisers
and inspectors to protect themselves